# Settle Up vs 萬記帳

The clearest difference is ads: 萬記帳 at none against Settle Up's shown. 萬記帳 also leads on iOS requirement (15.0 vs 17.4). Settle Up's advantage is ratings volume (1.8K vs 1). On price, rating, update cadence and in-app purchases there is nothing between them.

Both are free to download. Settle Up sells 9 in-app purchases, starting at $3.99 per month and 萬記帳 sells 10 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

萬記帳 holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Settle Up has 1.8K ratings behind it against 1, so its average is the more settled of the two.

Settle Up ships an update every 2 weeks, 萬記帳 every 3 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Settle Up | 萬記帳 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.8K ratings)](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/id6443893626/reviews)** |
| Number of ratings | **1.8K** | 1 |
| Positive reviews | 58.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free with in-app purchases | — |
| Size | 103 MB | 86 MB |
| Requires iOS | 17.4 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Step Up Labs, Inc.](https://appshunter.io/developer/1109834817) | [ONEFACTORIAL TECHNOLOGY LTD.](https://appshunter.io/developer/1650348954) |

## What reviewers say

### Settle Up

[App page](https://appshunter.io/ios/app/settle-up-group-expenses/id737534985)

Easily track shared expenses and IOUs for groups like travelers, flatmates, or friends. Handles complex splits, multiple payers, incomes, and items from bills. Works offline and across platforms, minimizing transfers and offering real-time exchange rates.

**Highlights:** Track shared expenses, Manage IOUs, Handle complex splits, Multiple payers support, Offline functionality, Real-time exchange rates, Data export

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (9)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Premium | $3.99 | per month |
| Yearly Premium | $19.99 | per year |
| Group Premium for 1 week | $5.99 | one-time |
| Group Premium for 2 weeks | $9.99 | one-time |
| Group Premium for 1 month | $14.99 | one-time |
| Group Premium for 2 months | $29.99 | one-time |
| Group Premium | $39.99 | one-time |
| Group Premium for 1 year | $39.99 | one-time |
| Lifetime Group Premium | $149.99 | one-time |

**What reviewers like**

- 👍 Easy to use
- 💡 Flexible expense splitting
- 🚀 Fast expense adding
- 💡 Supports multiple currencies
- 👍 Helpful for group trips and outings

**What reviewers complain about**

- 💰 Expensive compared to alternatives
- 🐛 Crashes and bugs
- 👎 Poor UI/UX design
- 👎 Free version lacks key features
- 🔒 Requires social media login

**Reported bugs**

- Expense details disappearing
- Inability to create new groups
- Keyboard issues on iOS 8
- Incompatibility with iPad

**Requested features**

- Ability to assign fixed amounts to group members
- Option to adjust expense shares (e.g. exclude certain items)
- Support for paying groups (multi-family events)


### 萬記帳

[App page](https://appshunter.io/ios/app/id6443893626)

**Features:** Vision Pro support

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Deluxe會員_訂閱一個月 | $0.99 | per month |
| Deluxe會員_訂閱一年(週年限時優惠) | $9.99 | per year |
| Subscribe for One Year | $11.99 | per year |
| 萬記帳幣_50點 | $0.99 | one-time |
| 萬記帳幣_100點 | $1.99 | one-time |
| 萬記帳幣_150點 | $2.99 | one-time |
| 萬記帳幣_200點 | $3.99 | one-time |
| 萬記帳幣_500點 | $7.99 | one-time |
| 萬記帳幣_800點 | $11.99 | one-time |
| Deluxe Member - Lifetime | $29.99 | one-time |


## Frequently asked questions

### Is Settle Up free?

Settle Up is free to download, with in-app purchases available.

### Is 萬記帳 free?

萬記帳 is free to download, with in-app purchases available.

### Which has better reviews, Settle Up or 萬記帳?

萬記帳 is rated higher. Settle Up averages 4.8 out of 5 from 1.8K ratings, while 萬記帳 averages 5.0 from 1 ratings.

### Do Settle Up or 萬記帳 have ads?

Settle Up shows ads; 萬記帳 does not.

### Which is updated more often, Settle Up or 萬記帳?

Settle Up ships an update every 2 weeks, and 萬記帳 every 3 weeks. Most recently, Settle Up was updated on November 1, 2026 and 萬記帳 on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*